| BANCO DE GUATEMALA | ||||||||||||
| Cuadro 1 | ||||||||||||
| PANORAMA MONETARIO | ||||||||||||
| TIPO BASE ACUMULADO SEMANAL | ||||||||||||
| Del 31 de diciembre de 2025 al 17 de septiembre de 2026 | ||||||||||||
| - Millones de Quetzales - | ||||||||||||
| Tipo de cambio: | 7.629440 | |||||||||||
| BANCO DE GUATEMALA | BANCOS DEL SISTEMA | PANORAMA MONETARIO | ||||||||||
| Concepto | VARIACIÓN | VARIACIÓN | VARIACIÓN | |||||||||
| 31/12/2025 | 17/9/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 17/9/2026 | ABSOLUTA | RELATIVA | 31/12/2025 | 17/9/2026 | ABSOLUTA | RELATIVA | |
| I. MONETIZACIÓN EXTERNA | 249,763.3 | 256,493.0 | 6,729.7 | 2.7 | -47,580.3 | -45,245.1 | 2,335.2 | -4.9 | 202,183.0 | 211,247.9 | 9,064.9 | 4.5 |
| 1. Activo externo 1/ | 249,763.3 | 256,493.0 | 6,729.7 | 2.7 | 8,221.3 | 10,042.5 | 1,821.2 | 22.2 | 257,984.6 | 266,535.4 | 8,550.8 | 3.3 |
| 2. Pasivo externo | 0.0 | 0.0 | 0.0 | 0.0 | -55,801.6 | -55,287.5 | 514.1 | -0.9 | -55,801.6 | -55,287.5 | 514.1 | -0.9 |
| II. ACTIVOS INTERNOS NETOS | -66,072.4 | -73,657.1 | -7,584.7 | 11.5 | 482,439.5 | 511,572.0 | 29,132.5 | 6.0 | 333,676.7 | 358,071.2 | 24,394.5 | 7.3 |
| 1. Actividad crediticia | -15,061.6 | -11,051.4 | 4,010.2 | -26.6 | 442,571.7 | 472,948.0 | 30,376.3 | 6.9 | 427,510.1 | 461,896.6 | 34,386.5 | 8.0 |
| 1.1 Al Sector público neto | -17,119.7 | -13,109.5 | 4,010.2 | -23.4 | 34,243.3 | 42,344.7 | 8,101.4 | 23.7 | 17,123.7 | 29,235.2 | 12,111.5 | 70.7 |
| 1.2 Al Sector privado | 0.0 | 0.0 | 0.0 | 0.0 | 409,087.1 | 431,439.2 | 22,352.1 | 5.5 | 409,087.1 | 431,439.2 | 22,352.1 | 5.5 |
| 1.2.1 En moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 302,445.3 | 317,720.1 | 15,274.8 | 5.1 | 302,445.3 | 317,720.1 | 15,274.8 | 5.1 |
| 1.2.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 106,641.8 | 113,719.1 | 7,077.3 | 6.6 | 106,641.8 | 113,719.1 | 7,077.3 | 6.6 |
| 1.3 A los bancos | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.1 En moneda nacional | 2,051.1 | 2,051.1 | 0.0 | 0.0 | -2,051.1 | -2,051.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.3.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1.4 A las financieras | 6.9 | 6.9 | 0.0 | 0.0 | 1,292.4 | 1,215.2 | -77.2 | -6.0 | 1,299.3 | 1,222.2 | -77.1 | -5.9 |
| 1.4.1 En moneda nacional | 6.9 | 6.9 | 0.0 | 0.0 | 810.7 | 755.5 | -55.2 | -6.8 | 817.7 | 762.5 | -55.2 | -6.8 |
| 1.4.2 En moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 481.6 | 459.7 | -21.9 | -4.5 | 481.6 | 459.7 | -21.9 | -4.5 |
| 2. Encaje en moneda nacional | 0.0 | 0.0 | 0.0 | 0.0 | 69,956.0 | 67,414.8 | -2,541.2 | -3.6 | -30.8 | -15.8 | 15.0 | -48.7 |
| 3. Encaje en moneda extranjera | 0.0 | 0.0 | 0.0 | 0.0 | 12,694.5 | 12,382.0 | -312.5 | -2.5 | -9.2 | -31.1 | -21.9 | 238.0 |
| 4. Otros Activos Netos | 12,204.4 | 8,660.7 | -3,543.7 | -29.0 | -68,576.1 | -72,012.8 | -3,436.7 | 5.0 | -56,371.6 | -63,352.1 | -6,980.5 | 12.4 |
| 5. Obligaciones mediano y largo plazo | 0.0 | 0.0 | 0.0 | 0.0 | -4,180.1 | -4,275.8 | -95.7 | 2.3 | -4,180.1 | -4,275.8 | -95.7 | 2.3 |
| 6. Bonos de estabilización | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 7. Operaciones compra venta de valores en M/N | -63,215.2 | -71,266.5 | -8,051.3 | 12.7 | 29,973.4 | 35,115.8 | 5,142.4 | 17.2 | -33,241.8 | -36,150.6 | -2,908.8 | 8.8 |
| 7.1 Con entidades públicas | -27,260.4 | -30,937.4 | -3,677.0 | 13.5 | 0.0 | 0.0 | 0.0 | 0.0 | -27,260.4 | -30,937.4 | -3,677.0 | 13.5 |
| 7.2 Otros inversionistas | -35,954.8 | -40,329.1 | -4,374.3 | 12.2 | 29,973.4 | 35,115.8 | 5,142.4 | 17.2 | -5,981.4 | -5,213.3 | 768.1 | -12.8 |
| 8. Operaciones compra venta de valores en M/E | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.1 Con entidades públicas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 8.2 Otros inversionistas | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| III. OBLIGACIONES MONETARIAS | 183,691.0 | 182,835.8 | -855.2 | -0.5 | 434,859.2 | 466,326.9 | 31,467.7 | 7.2 | 535,859.7 | 569,319.0 | 33,459.3 | 6.2 |
| IV. DINERO PRIMARIO | 170,987.3 | 170,422.8 | -564.5 | -0.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1. Numerario en circulación | 101,000.5 | 102,992.1 | 1,991.6 | 2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2. Encaje | 69,986.8 | 67,430.6 | -2,556.2 | -3.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.1 Bancario no remunerado | 67,494.7 | 64,808.4 | -2,686.3 | -4.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.2 Bancario remunerado | 2,461.3 | 2,606.4 | 145.1 | 5.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2.3 Financieras | 30.7 | 15.8 | -14.9 | -48.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| V. ENCAJE EN MONEDA EXTRANJERA | 12,703.7 | 12,413.1 | -290.6 | -2.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 1 Bancario no remunerado | 12,246.0 | 11,925.7 | -320.3 | -2.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 2 Bancario remunerado | 448.5 | 456.3 | 7.8 | 1.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| 3 Financieras | 9.2 | 31.1 | 21.9 | 238.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| VI. MEDIO CIRCULANTE EN MONEDA NACIONAL | 101,000.5 | 102,992.1 | 1,991.6 | 2.0 | 115,387.0 | 116,470.9 | 1,083.9 | 0.9 | 216,387.4 | 219,463.0 | 3,075.6 | 1.4 |
| 1. Numerario en circulación | 101,000.5 | 102,992.1 | 1,991.6 | 2.0 | 0.0 | 0.0 | 0.0 | 0.0 | 101,000.5 | 102,992.1 | 1,991.6 | 2.0 |
| 2. Depósitos monetarios | 0.0 | 0.0 | 0.0 | 0.0 | 115,387.0 | 116,470.9 | 1,083.9 | 0.9 | 115,387.0 | 116,470.9 | 1,083.9 | 0.9 |
| VII. CUASIDINERO EN MONEDA NACIONAL 2/ | 0.0 | 0.0 | 0.0 | 0.0 | 238,267.9 | 259,541.3 | 21,273.4 | 8.9 | 238,267.9 | 259,541.3 | 21,273.4 | 8.9 |
| VIII. MEDIOS DE PAGO EN MONEDA NACIONAL | 101,000.5 | 102,992.1 | 1,991.6 | 2.0 | 353,654.9 | 376,012.2 | 22,357.3 | 6.3 | 454,655.4 | 479,004.4 | 24,349.0 | 5.4 |
| IX. DEPÓSITOS MONETARIOS EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 30,182.5 | 32,849.1 | 2,666.6 | 8.8 | 30,182.5 | 32,849.1 | 2,666.6 | 8.8 |
| X. CUASIDINERO EN MONEDA EXTRANJERA 3/ | 0.0 | 0.0 | 0.0 | 0.0 | 51,021.8 | 57,465.6 | 6,443.8 | 12.6 | 51,021.8 | 57,465.6 | 6,443.8 | 12.6 |
| XI. MEDIOS DE PAGO EN MONEDA EXTRANJERA | 0.0 | 0.0 | 0.0 | 0.0 | 81,204.3 | 90,314.7 | 9,110.4 | 11.2 | 81,204.3 | 90,314.7 | 9,110.4 | 11.2 |
| XII. MEDIOS DE PAGO TOTALES | 101,000.5 | 102,992.1 | 1,991.6 | 2.0 | 434,859.2 | 466,326.9 | 31,467.7 | 7.2 | 535,859.7 | 569,319.1 | 33,459.4 | 6.2 |
| 1/ En el caso de los bcos. Incluye caja en moneda extranjera | -.- | -.- | -.- | -.- | 616.0 | 616.2 | 0.2 | 0.0 | -.- | -.- | -.- | -.- |
| 2/ Incluye Obligaciones Financieras en circulación en M/N | -.- | -.- | -.- | -.- | 1,172.7 | 2,604.9 | 1,432.2 | 122.1 | -.- | -.- | -.- | -.- |
| 3/ Incluye Obligaciones Financieras en circulación en M/E | -.- | -.- | -.- | -.- | 7,385.3 | 12,024.3 | 4,639.0 | 62.8 | -.- | -.- | -.- | -.- |